What to contribute after max out Pretax 401k? MICROSOFT Fidelity
Apr 6
42 Comments
There's 2 other options in Fidelity which are
1. ROTH
2. AFTER-TAX (NON-ROTH)
What percentage should i put in? I don't need extra cash for expenses.
Also, what option to choose for
"in-plan coversion" vs "in-service withdrawal"
Already setup max on hsa, espp.
Base 158k
Thanks
comments
But usually if you invest for the long term, (1) would be irrelevant. (2) is also irrelevant if your 401k has BrokerageLink, (3) is also irrelevant if you roll over the funds from Roth 401k to Roth IRA after you retire.
Then call Fidelity to convert from after tax 401k to roth ira.
-max out pretax 401k
-megabackdoor: max out after-tax 401k and do "in-plan conversation"
-backdoor: contribute to traditional IRA convert to Roth IRA